Singapore Expats Forum

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by 3carlos
Sat, 01 Jun 2019 10:52 pm
Forum: General Discussions
Topic: Best health insurance policy
Replies: 1
Views: 958

Re: Best health insurance policy

1. What does your company offer First thing to do is to check what your company provides you. There are generally 3 different tiers offered in Singapore: - Company package hospitalisation and surgical (H&S) plans - these can provide up to $200,000 per year cover, but are more typically at least $15,...
by 3carlos
Thu, 30 May 2019 10:05 pm
Forum: Insurance
Topic: Health insurance for Mother on LTVP
Replies: 13
Views: 2659

Re: Health insurance for Mother on LTVP

Hi Joseph, as long as no one is selling anything, and the info is transferrable for new expats reading, I don't see the harm :)
by 3carlos
Thu, 30 May 2019 10:04 pm
Forum: Insurance
Topic: Health insurance
Replies: 7
Views: 1228

Re: Health insurance

Unfortunately, it is better that I do not recommend any plans, I am here to share information and I trust that you will take what is said more seriously if I have nothing to gain from it. A few pointers: 1. If you have company insurance, at the very least the inpatient cover is international 2. For ...
by 3carlos
Wed, 29 May 2019 5:02 pm
Forum: Insurance
Topic: Health insurance
Replies: 7
Views: 1228

Re: Health insurance

Hi there, you have to be clear about the differences between the local integrated shield plans (inpatient only) and also the international medical plans (can add outpatient and dental). Do note that local integrated shield plans are meant for Singaporean/PR and as a foreigner you will be required to...
by 3carlos
Wed, 29 May 2019 2:35 pm
Forum: Insurance
Topic: Health insurance for Mother on LTVP
Replies: 13
Views: 2659

Re: Health insurance for Mother on LTVP

LTVP can buy, but they need someone with a valid work pass you mentioned as the policyholder, as they cannot be the policyholder.

There is no issue if you are buying international insurance of course, just passport is needed (instead of a pass which is tagged to a single jurisdiction.
by 3carlos
Fri, 17 May 2019 1:58 am
Forum: Insurance
Topic: Health insurance for Mother on LTVP
Replies: 13
Views: 2659

Re: Health insurance for Mother on LTVP

LTVP can buy insurance (generally as long as you have a valid pass in Singapore this isn't an issue, though some plans are tagged to your pass and some are not). If you buy a local hospital plan, you can add on travel insurance on trips. If you buy an international hospital plan, and do not need cov...
by 3carlos
Fri, 17 May 2019 1:56 am
Forum: Insurance
Topic: InterGlobal Insurance and Raffles Medical Group
Replies: 2
Views: 8328

Re: InterGlobal Insurance and Raffles Medical Group

Interglobal is now Aetna fyi. There are many international providers that do not restrict where you can visit (although Raffles Medical is pretty decent). There are 4 tiers of cover in Singapore generally: 1. Singapore-only 2. Asean / Asia (rarer) 3. Worldwide excluding USA (most common) 4. Worldwid...
by 3carlos
Fri, 17 May 2019 1:53 am
Forum: Pediatrician, Obstetrician & Gynaecologist
Topic: Insurance - Moving from Expat to Local WHILE pregnant
Replies: 5
Views: 3337

Re: Insurance - Moving from Expat to Local WHILE pregnant

Depending on your company provider, they may allow you to port the plan (make it a personal plan). If they do, then you shouldn't have an issue with the maternity waiting period.

Otherwise, you can solve the issue by buying your own maternity cover (10-12 months waiting period will apply).
by 3carlos
Fri, 17 May 2019 1:47 am
Forum: Pediatrician, Obstetrician & Gynaecologist
Topic: Short term maternity insurance
Replies: 7
Views: 2998

Re: Short term maternity insurance

Technically, most maternity plans in the market which cover delivery costs have a 12 month waiting period (read blackout period). This doesn't mean you absolutely cannot be pregnant during this time. Case in point, if I get pregnant at Month 9, then I will pay for all prenatal costs myself, but once...
by 3carlos
Fri, 17 May 2019 1:43 am
Forum: Beauty, Health & Fitness
Topic: 2019 - NICU experiences and costs
Replies: 1
Views: 2635

Re: 2019 - NICU experiences and costs

Sorry to hear about your ordeal just after coming to Singapore! Yes there are no 'subsidies' for foreigners in govt hospitals, but probably going to Mount Elizabeth is one of the worst ideas if you have a premature baby (one of the most expensive hospitals in Singapore). This comes a little late, bu...
by 3carlos
Fri, 17 May 2019 1:37 am
Forum: General Discussions
Topic: Insurance and changing jobs
Replies: 3
Views: 1075

Re: Insurance and changing jobs

Singapore insurers are very sticky on pre-existing conditions, and while company insurance does provide cover for pre-existing conditions after a year, the condition must not be extremely serious and in the year from your addition to the company roster (and hence insurance), you must not claim for t...
by 3carlos
Fri, 17 May 2019 1:34 am
Forum: Beauty, Health & Fitness
Topic: Health Insurance & Reembursmeng Policies
Replies: 1
Views: 2262

Re: Health Insurance & Reembursmeng Policies

I encourage all expats to run through the process upfront while they are coming to Singapore - a $40k bill is extremely possible, and some companies don't even cover more than the normal $15-$25k per "disability". Most larger companies have policies which cost a certain amount and should be able to ...
by 3carlos
Fri, 17 May 2019 1:30 am
Forum: Beauty, Health & Fitness
Topic: Health insurance for expat from UK
Replies: 5
Views: 3478

Re: Health insurance for expat from UK

Answering the first post: Dental is normally an add-on to global health plans (you can't add it on to local health plans (only cover inpatient events like hospital stay or surgery). There are standalone plans that you co-pay 50% - can be handy for those expensive root canal treatments and routine de...
by 3carlos
Fri, 17 May 2019 1:20 am
Forum: Insurance
Topic: Home Contents Insurance
Replies: 13
Views: 27224

Re: Home Contents Insurance

You can probably get one for about $2xx-$3xx/year. Do avoid going for something too cheap: 1. All Risk (whatever is not excluded is covered) versus Insured Peril (you are covered if the event is listed) - obviously Insured Perils is cheaper 2. Insurer won't stop you from buying low cover, but there ...
by 3carlos
Fri, 17 May 2019 1:10 am
Forum: Insurance
Topic: Term Life Insurance for Expats and Foreigners?
Replies: 6
Views: 7592

Re: Term Life Insurance for Expats and Foreigners?

there are in fact many things for an expat to consider while overseas: 1. An expat's medical cover may be excellent in home country, but not useful in Singapore (e.g. free medical in Russia, but if I have a medical emergency here, I won't want to be forced to rush back before I get treatment) 2. If ...

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